docs(email): simplify MailHog setup for worktree-based local dev

[agustin-sanc]

Summary

• .env.template: defaults SMTP to localhost:1025 with blank creds — points all local dev at the shared MailHog (no accidental real Gmail sends, no credentials needed)
• docker-compose.yml: MailHog host ports now configurable via MAILHOG_UI_PORT / MAILHOG_SMTP_PORT (defaults 18025/11025), so the all-in-Docker path is also conflict-proof
• README.md: complete rewrite of the email section — shared-inbox model (one MailHog on localhost:1025/8025 for all worktrees in parallel), quick-start one-liner, step-by-step testing guide, note on the Docker alternative

Context

The primary local dev model is pnpm dev (portless) per worktree, mirroring how Postgres works: a shared host service (localhost:1025) with a single inbox at localhost:8025. Since scripts/setup-worktree-db.sh copies the main .env verbatim into each new worktree, setting SMTP once in the main checkout propagates to all worktrees automatically.

The previous setup had SMTP_HOST blank in .env.template, which meant a fresh contributor running pnpm dev would fall through to real Gmail sends using any credentials they had set. Now the template defaults to MailHog.

Test plan

• Start MailHog if not running: docker run -d --name mailhog -p 1025:1025 -p 8025:8025 mailhog/mailhog
• Confirm http://localhost:8025 shows the MailHog UI
• Run pnpm dev and trigger a signup or password-reset flow
• Verify the email appears in http://localhost:8025 (not sent to a real inbox)
• Optional: set MAILHOG_UI_PORT=19025 in .env, run docker-compose up, confirm UI at localhost:19025

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